The International Association of Registered Financial Consultants (IARFC®) has formed a strategic partnership with Totum, a multi-scoring risk tolerance toolkit that helps consultants understand how much risk their clients can take based on their life situation. It is the newest offering in a series of benefits available to IARFC Members. Risk is not an absolute. It is ever changing with many shifting variables. That is why risk is so hard to succinctly and accurately verbalize with most investors not knowing how to express their very personal feelings about risk or even wanting to discuss their changing perceptions of it. With…